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AU Small Finance Bank ABC Biz Credit Card
AU Small Finance Bank

AU Small Finance Bank ABC Biz Credit Card

Checked against AU Small Finance Bank's 3 documents for this card on 03 Nov 2026
COFFER Safety Stars3 of 5See the five checks
Interest
0 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 9 of 10 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns Reward Points

First-year fee

₹49 to join.

₹49 per month

Annual fee

Monthly fee of ₹49 + GST is applicable, with spend based monthly fee reversal on achieving spends of ₹10,000 in every statement cycle

What it gives back

2 Reward Points per ₹200 · everyday spends

Read from 3 AU Small Finance Bank documents, last checked 8 Nov 2026.

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How it compares

Compared with the cards we have read

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Joining fee

    ₹49 to join.₹49 per month

  • Annual fee

    Monthly fee of ₹49 + GST is applicable, with spend based monthly fee reversal on achieving spends of ₹10,000 in every statement cycle

  • Fee waiver rule

    Fee waived if you spend ₹10,000.

  • Add-on card fee

    Add-on Credit Card is Lifetime Free.

Rewards

  • Reward rate

    2 Reward Points per ₹200 · everyday spends2 Reward Points for every ₹200 spent on online and offline spends.

Card benefits

  • Domestic lounge access

    2 Complimentary Railway Lounge access per quarter.

  • Dining programme

    Silver Spoon Dining Program: up to 30% discount at selected 300+ partnered restaurants in 30 cities

Also included

  • Fuel surcharge waiver

    1% Unlimited Fuel Surcharge Waiver for all fuel transactions between ₹400 and ₹5,000.

  • Add-on card eligibility

    Add-on cardholder should be over 18 years.

  • Purchase to EMI conversion

    Convert your transactions worth ₹2,000 or more into easy EMI options on select tenure of your choice; call our Customer Care helpline to book your Xpress EMI.

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.50% Forex Mark-up on your international spends

  • Cash advance fee

    2.5% of the amount withdrawn or ₹500, whichever is higher.

  • Interest on unpaid balance

    3.75% per month (45% per annum)

  • Interest-free period

    Up to 50 days (not applicable for cash withdrawal)

  • Late payment fee

    15% of Total Amount Due, minimum ₹10, maximum ₹1,300

Eligibility

  • Age the primary cardholder must be

    Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years.

  • Eligibility

    Primary cardholder: salaried 21 to 60 years, self-employed 25 to 65 years; resident Indian.

Ways to redeem your points

  • Cashback against your bill

    “You can redeem your Reward Points as of your last statement balance from the ABCL app or AU 0101. You can also view your redeemable points [here](https://rewardz.aubank.in/).” Proof

Points expiring? Use Expiry Rescue

How we know - 3 documents from AU Small Finance Bank, checked 8 Nov 2026

3 documents from AU Small Finance Bank, checked 8 Nov 2026.

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